Loan Rates Share Rates Certificate Rates Fee Schedule
Effective as of: November 19, 2020
| Type of Loan | Term | APR | Monthly Payment | |
|---|---|---|---|---|
| Type of Loan | Term | APR | Monthly Payment per $1,000 Borrowed | |
| Unsecured Loans | Up to 72 Months | 6.25% to 18.00% | $16.70 on a 72-month loan @ 6.25% | |
| Based on Good Credit | ||||
| 50% Share Secured Loans | Up to 36 Months | 9.00% | $31.80 on a 36-month loan | |
| Minimum $1,000; Maximum $6,000 | ||||
| 100% Share Secured Loans | Up to 120 Months | 5.00% | $10.61 on a 120-month loan | |
| Minimum $1,000 | ||||
| VISA Classic or Platinum | n/a | 7.90 - 17.90% | Unsecured | |
| *may incur fees of : $20.00 late fee, $5.00 cash advance fee, $20.00 return check fee and/or Foreign Transaction fee 1% of each transaction in US dollars | ||||
| Visa Disclosure | ||||
| VISA | n/a | 8.90% | Share Secured | |
| *may incur fees of: $20.00 late fee, $5.00 cash advance fee, $20.00 return check fee and/or Foreign Transaction fee 1.00% of each transaction in US dollars | ||||
| Motorcycles | See car rates | See car rates | New or Used | |
| First Mortgage Rates-Purchase Only | ||||
| First Mortgage Rate-Purchase-Minimum Down Payment is 5% | ||||
| Term | Rate | APR * | Monthly Payment per $1,000.00 Borrowed | |
| 15 Years | 2.500% | 2.565% | $ 6.67 per $1,000.00 | |
| 30 Years | 2.875% | 2.911% | $ 4.16 per $1,000.00 | |
| * APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. | ||||
| First Mortgage Rates-1st Lien-Home Equity or Refinance | ||||
| Term | Rate | APR * | Monthly Payment per $1,000.00 Borrowed | |
| 7 Years | 3.90% | 3.90% | $13.62 per $1,000.00 | |
| 10 Years | 3.90% | 3.90% | $10.07 per $1,000.00 | |
| 15 Years | 3.90% | 3.90% | $ 7.34 per $1,000.00 | |
| * APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. | ||||
| First Mortgage Rates-1st Lien-Home Equity or Refinance (New Loans Only) | ||||
| Term | Rate | APR * | Monthly Payment per $1,000.00 Borrowed | |
| 10 Years | 2.99% | 2.99% | $9.66 per $1,000.00 | |
| 15 Years | 3.49% | 3.49% | $7.15 per $1,000.00 | |
| * APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. | ||||
| Second Mortgage-2nd Lien-Home Improvements | ||||
| ~ 75% of Appraisal Value, Minus Liens ~ *APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. | ||||
| Term | Rate | APR * | Monthly Payment per $1,000 Borrowed | |
| Up to 60 Months | 6.00% | 6.00% | $19.34 on a 60-month loan | |
| 61 to 84 Months | 6.25% | 6.25% | $14.12 on a 84-month loan | |
| 86 to 120 Months | 6.50% | 6.50% | $11.36 on a 120-month loan | |
| $200,000 Maximum loan amount | ||||
| New and Used Vehicle Loans (2015-2020) | ||||
| FICO CREDIT SCORE OF 730-850 | ||||
| Term | Rate ** | APR | Monthly Payment per $1,000 Borrowed | |
| 36 Months | 1.90% | 1.90% | $28.60 on a 36-month loan | |
| 48 Months | 1.95% | 1.95% | $21.68 on a 48-month loan | |
| 60 Months | 1.99% | 1.99% | $17.53 on a 60-month loan | |
| 72 Months | 2.95% | 2.95% | *$15.18 on a 72-month loan | |
| *Over $20,000 | ||||
| **Interest rates may vary depending on the credit score, term and year of the vehicle. | ||||
| New and Used Vehicle Loans (2015-2020) | ||||
| FICO CREDIT SCORE OF 680-729 | ||||
| Term | Rate ** | APR | Monthly Payment per $1,000 Borrowed | |
| 36 Months | 2.25% | 2.25% | $28.76 on a 36-month loan | |
| 48 Months | 2.30% | 2.30% | $21.83 on a 48-month loan | |
| 60 Months | 2.49% | 2.49% | $17.75 on a 60-month loan | |
| 72 Months | 3.25% | 3.25% | *$15.31 on a 72-month loan | |
| * Over $20,000 | ||||
| **Interest rates may vary depending on the credit score, term and year of the vehicle. | ||||
| New and Used Vehicle Loans (2015-2020) | ||||
| FICO CREDIT SCORE OF 640-679 | ||||
| Term | Rate * | APR | Monthly Payment per $1,000 Borrowed | |
| 36 Months | 2.65% | 2.65% | $28.93 on a 36-month loan | |
| 48 Months | 3.10% | 3.10% | $22.18 on a 48-month loan | |
| 60 Months | 3.29% | 3.29% | $18.10 on a 60-month loan | |
| * Interest rates may vary depending on the credit score, term and year of the vehicle. | ||||
| Used Vehicle Loans (2012-2014) | ||||
| Term | Rate * | APR | Monthly Payment per $1,000 Borrowed | |
| 36 Months | 2.60% | 2.60% | $28.91 on a 36-month loan | |
| 48 Months | 3.40% | 3.40% | $22.32 on a 48-month loan | |
| *Interest rates may vary depending on the credit score, term and year of the vehicle. | ||||
| Used Vehicles 2011 and older | ||||
| Term | Rate * | APR | Monthly Payment per $1,000 Borrowed | |
| 36 Months | 3.60% | 3.60% | $29.35 on a 36-month loan | |
| *Interest rates may vary depending on the credit score, term and value of the vehicle. | ||||
| Life Style Loans | ||||
| Term | Rate * | APR | Monthly Payment per $1,000 Borrowed | |
| 12 - 72 Months | 6.25 - 18.00% | 6.25% to 18.00% | $86.19 on a 12-month loan @ 6.25% | |
| *Based on your Good Credit. | ||||